Three main barriers preventing women from preparing for retirement
对女性来说，退休是一件充满挑战的事情. We describe how to overcome common hurdles women face.
Women face unique barriers when it comes to preparing for retirement. From Social 安全 and social equality to dealing with "mommy taxes" and gender equality, 退休对女性来说是有好处的 different set of challenges than it does for men. 女性在职业生涯中往往挣得更少, which means they need to save more since they tend to live longer.
Here are the three main barriers that often prevent women from being adequately prepared for retirement:
1. 退休 is often a lower priority for women
Women tend to place a lower priority on saving for retirement as they focus primarily on meeting daily living costs and paying off debt. This can sometimes prevent them from even getting started. 另外, women are more likely than men to leave the workforce to care for children or aging parents. This can mean losing the opportunity to contribute to an employer-sponsored retirement plan, 这可能导致巨大的储蓄缺口. This highlights how important it is to start saving for retirement as early as possible. 然而, 在那些空档年, 如果你们结婚了，并且是共同申请的, 你可能仍然可以为 个人退休帐户(IRA) on the basis of your spouse's earnings through a 配偶爱尔兰共和军.
2. Women don't always feel adequately equipped to manage their finances
While women regularly manage day-to-day expenses, they don't always feel adequately equipped when it comes to saving for retirement and often rely on the expertise of others for decision-making. This can prevent women from taking an active role in preparing for retirement and can put them at risk of not saving enough.
3. Women are often hesitant to ask for help with retirement planning
Asking for help with retirement planning can be intimidating, but a willingness to learn from others and search for answers can pay off in the long run. Seeking advice from a trusted professional or a friend can help you gain the knowledge you need to take control of your retirement planning.
Now is a great time to start planning for retirement
It's never too early to start taking an active role in your long-term financial planning. Don't be afraid to ask questions and seek advice – a few simple steps can help you overcome these barriers and take control of your financial future.
